An interesting decision was released today by the British Columbia Provincial Court. In this case, a driver was deemed by ICBC to be at fault for an accident that occurred when his vehicle struck a rock in the middle of the roadway. ICBC made payments to an injured passenger, and repaired the vehicle, making both payments pursuant to the driver’s collision coverage, as opposed to paying “no-fault” benefits to the passenger, and paying out the repairs under his comprehensive insurance policy. The upshot of ICBC’s determination, was that the driver would lose his safe-driving discount, and would have to pay increased premiums. He decided to fight this determination in court, and was successful.